BenPay Card
Self-custodial Web3 card: deposit and withdraw USDT/USDC on 10+ chains, wallet-signature access and yield on the card balance. Three variants (Alpha, Sigma, Delta) with different fee structures, all without an annual fee; Apple Pay, Google Pay and Alipay.
Base cashback
Max cashback
Base fee
FreeShow source
FX fee
ATM fee
Card fee
Credit line
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No annual or monthly fee on the base tier
- Self-custody: funds stay in your own wallet
- Apple Pay and Google Pay
Cons
No disadvantages derived from the published data yet.
Good for
- People who want to keep control of their keys
Not for
Not enough data to say.
Risks to understand
- Self-custody: losing your keys or signing a malicious transaction can mean losing funds.
- Smart-contract and bridge risk applies to on-chain balances.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to BenPay Card:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
All details
Fees2/15
- Annual fee
FreeShow source
- Crypto conversion fee
0%Show source
Not yet researched: Monthly fee, Physical card fee, Virtual card fee, Replacement fee, FX fee, Top-up fee, Crypto withdrawal fee, ATM fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee, Other fees & markups.
Cashback & rewards1/14
- Interest on balance
Not disclosedConditions apply: tap or hover for detailsShow source
Card balance earns on-chain yield; rate not stated
Not yet researched: Base cashback, Max cashback, Cashback paid in, Cashback type, Cashback-eligible spend cap, Max cashback per month, Cashback conditions, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing0/11
No credit & financing data published or researched yet.
Supported countries & currencies1/4
- Account / spend currencies
USDT · USDCShow source
Not yet researched: Available in, Not available in, Own IBAN / bank details.
Features, wallets & supported assets2/11
- Apple Pay
YesShow source
- Google Pay
YesShow source
Not yet researched: Physical card, Virtual card, ATM withdrawals, Spend stablecoins, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody0/3
No security & custody data published or researched yet.
Limits1/2
- Spending limit
$200,000Conditions apply: tap or hover for detailsShow source
Per card
Not yet researched: ATM limit.
Product4/7
- Product status
ActiveShow source
- Card type
Stablecoin cardShow source
- Custody model
Self-custodyShow source
- Tiers / plans
Alpha · Sigma · DeltaShow source
Not yet researched: Network, Launch date, Card issuer / program manager.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year · Per-transaction costs ≈ 0.00% | 20% | 100 |
Cashback & rewards | 20% | No data — excluded |
Availability | 15% | No data — excluded |
FX & international | 10% | No data — excluded |
Product features 2 of 2 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security Custody model: self custody | 10% | 80 |
Credit & financing | 5% | No data — excluded |
Limits & ATM | 5% | No data — excluded |
Transparency 3 of 3 checked key terms disclosed | 5% | 100 |
Data coverage 45%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does BenPay Card have an annual or monthly fee?
Base tier: Free. Source: BenPay Self-Custodial Web3 On-Chain Yield Card.
Is BenPay Card self-custodial?
Self-custody.
Does BenPay Card work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history11 entries
- Product status recorded · 22 October 2026 · auto-approved
- Custody model recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Tiers / plans recorded · 22 October 2026 · auto-approved
- Annual fee recorded · 22 October 2026 · auto-approved
- Crypto conversion fee recorded · 22 October 2026 · auto-approved
- Spending limit recorded · 22 October 2026 · auto-approved
- Account / spend currencies recorded · 22 October 2026 · auto-approved
- Interest on balance recorded · 22 October 2026 · auto-approved
- Apple Pay recorded · 22 October 2026 · auto-approved
- Google Pay recorded · 22 October 2026 · auto-approved